Home and Contents Insurance

Our three levels of cover offer flexibility and easy claim. Because you can’t put a price on peace of mind.

online offer

GET $100 OFF

First Year Online Discount*

Choose from 3 levels of Home and Contents Insurance

Some of what's included

Regular cover

Classic

Mid-Range cover

Classic Extras

Top cover

Classic Advantages

Loss or damage in a flood, storm, hail, fire, escape of liquid, and theft#

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Build It Back Better™


Up to $5,000


Up to $7,500


Up to $10,000

Safety Net

Safety net home protection provides an additional percentage of your nominated sum insured.  This means that if your home is damaged and the cost of repairing or replacing it is more than you have nominated, we can increase your sum insured by a percentage depending on the level of cover you have selected.


Safety net home protection

OPTIONAL
Up to a further 25% of your home sum insured


Up to a further 25% of your home sum insured


Up to a further 30% of your home sum insured

Lifetime guarantee of quality workmanship for repairs or rebuilds

When we repair or rebuild the home, we guarantee the quality of workmanship of that work for the lifetime of your home if we: — authorise; — arrange; and — pay the builder or repairer directly for this work. Read the PDS for more information.


Lifetime guarantee of quality workmanship for repairs or rebuilds

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Replacement of damaged contents with ‘new for old’

If the quoted cost to repair is more than the cost of replacement on a ‘new for old’ basis or if the contents item cannot be repaired, you have the option to accept a replacement on a ‘new for old’ basis sourced through our supplier network. Read the PDS for more information.


Replacement of damaged contents with ‘new for old’

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Accidental damage at the home

This covers loss, breakage or damage to something by accident at home. For example: dropping, knocking over or spilling something without intent. 


Accidental damage at the home

OPTIONAL

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A quote includes all 3 levels of cover – choose the one that best suits your needs.

Build it Back Better™

If your home is damaged by an insured event and the assessed repair or rebuild costs are more than $50,000 or 10% of your sum insured (whichever is higher), you’ll be offered additional recommended resilience options to help protect against damage to your home.

Find out more

Lodging your claim is simple and convenient

If you need to make a claim, we’re here to help you every step of the way.

1. Have your details ready

We’ll need your policy number and details of the event. Don’t know your policy number? Use our policy finder tool.

2. Lodge a claim 24/7

Make your claim online, or through the Suncorp App, and track the progress of your claim at any time. Claims may be decided instantly. If we need more info, we’ll contact you within 2 business days.

3. Assessment

We’ll contact you to arrange a time to assess the damage, and let you know what you’re covered for, including any excesses that may apply.

4. Finalise your claim

We’ll let you know once your claim is complete and arrange any repairs, replacements or payments to you.

How much are your home and contents worth?

Home Building Calculator

Estimate the rebuild cost of your home to help you choose your sum insured.

Contents Calculator

Estimate the replacement costs of your home's contents to determine how much cover you may need.

Frequently Asked Questions

Home Insurance Insights

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* Any subsequent discounts are applied to the already discounted premium, before government taxes and charges.

# Actions or movements of the sea and loss or damage caused by storm surge (unless the storm surge damage occurs at the same time as damage caused by a storm) are not covered. We don't cover retaining walls or flood damage to wharves, jetties, pontoons, other exclusions apply.

^ We do not insure you for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply.

For full details of the covers, limitations, exclusions and conditions contained within Suncorp Home and Contents Insurance please read the Suncorp Home and Contents Insurance Product Disclosure Statement. The Target Market Determination is also available.

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Reviews are independently verified and detail our customers' real experiences.

Accidental glass breakage

This covers things like fixed glass in windows, doors, skylights, shower-bath combos, toilets, basins, baths and the glass that forms part of a fixed cooking or heating appliance.

It doesn’t cover ceramic tiles, drinking glasses or glass that is part of things like vases, ornaments or light globes.

Replacement of damaged contents with ‘new for old’

If the quoted cost to repair is more than the cost of replacement on a ‘new for old’ basis or if the contents item cannot be repaired, you have the option to accept a replacement on a ‘new for old’ basis sourced through our supplier network. Read the PDS for more information.

Lifetime guarantee of quality workmanship for repairs or rebuilds

When we repair or rebuild the home, we guarantee the quality of workmanship of that work for the lifetime of your home if we: — authorise; — arrange; and — pay the builder or repairer directly for this work. Read the PDS for more information.

Accidental damage at the home

This covers loss, breakage or damage to something by accident at home. For example: dropping, knocking over or spilling something without intent. 

Safety Net

Safety net home protection provides an additional percentage of your nominated sum insured.  This means that if your home is damaged and the cost of repairing or replacing it is more than you have nominated, we can increase your sum insured by a percentage depending on the level of cover you have selected.

Personal Valuables

Personal valuables are some of the valuable things you might leave the house with. It’s things like your mobile phone, camera, laptop, or tablet. It also includes bicycles (as long as you’re not racing or pace making).

With personal valuables, the items are covered anywhere in Australia and New Zealand.

You can choose whether to specify the items so as to cover them up to a specified value, or if you’re happy to have unspecified cover, we pay up to $1,000 per item.

Temporary accommodation

If your home is damaged by one of our insured events to the extent that it cannot be lived in, we will pay for your reasonable temporary accommodation costs, including for your domestic pets.  Please read the PDS for full details of conditions, exclusions and limits.

Motor burnout

Covers the burning out or fusing of electric motors that are part of your home and equal to or less than 10 years old. This includes the motor in things like portable air conditioning units, washing machines and fridges (if you have contents cover).

Motor burnout excess applies instead of the standard excess (plus any other applicable excess).

Contents in Transit

We provide some cover for contents in transit and storage within Australia. This is an additional cover that comes with your policy at no extra cost. Limits, exclusions and conditions apply.

Injury to pet dogs and cats

If a pet dog or cat shown on your certificate of insurance is injured in an incident, we’ll pay for necessary veterinary treatment (up to $2000 per accident). Extra premium and injury to pet dogs and cats excess will apply.

First eligible policy

If you first purchase or have an existing Suncorp Car, Suncorp QLD CTP, Suncorp Motorcycle or Suncorp Home and/or Contents insurance policy, you will be eligible for this campaign. Refer to the T&Cs.

Second new eligible Policy purchased

  • If you first purchase or have an existing Suncorp Car or Motorcycle policy, you can get 20% off new Suncorp home insurance.  (‘New Suncorp home insurance’ excludes landlord and strata insurance)
  • If you first purchase or have an existing Suncorp Home or QLD CTP policy, you can get 20% off new Suncorp car insurance.  (‘New Suncorp car insurance’ excludes QLD CTP and Suncorp Roadside Assist)

Refer to the T&Cs.

Substantially Damaged

When your home is substantially damaged by an insured event (meaning the assessed quote to repair or rebuild is at least $50,000 or 10% of your home sum insured, whichever is more). Please refer to PDS for full Details.

Flood

Flood means the covering of normally dry land by water that has escaped or been released from the normal confines of things like a lake, river, reservoir, canal or other natural watercourse.

Actions or movements of the sea or storm surge are not covered. Some things we don't cover are damage to retaining walls, jetties, pontoons and garden borders.

Storm

Storm means a storm, cyclone or severe atmospheric disturbance. It can be accompanied by strong winds, rain, lightning, hail, snow, or dust.

It includes loss or damage caused by a landslide or subsidence within 72 hours of, and directly because of, a storm and not because of erosion, structural fault or design fault.

Riot and civil commotion

An example of a riot, civil commotion or public disturbance event would be damage caused by a violent crowd moving down your street.

It doesn't cover loss or damage caused by someone who had consent to enter the insured address and doesn't cover loss or damage if anyone living at the insured address participated in the disturbance.

Lightning

Lightning, including power surges caused by lightning, will be covered providing a qualified repairer gives written confirmation to show lightning as the cause of loss or damage and the Australian Government Bureau of Meteorology has a record of lightning in the area.

Fire

Loss or damage caused by fire (includes bushfire) and heat, ash, soot and smoke that is a direct result of a fire within 100 metres of the insured address.

It doesn’t include arcing, scorching or cigarette burns unless a fire spreads from the initial burn spot.

Pollution or vapour damage by a home heater or cooking appliance is covered if a fire spreads from the initial source.

If there is a bushfire in your area, we also cover the cost of replacing water in any tank, container, pool, spa and any other storage vessel, even if there is no physical damage to your property. The most we will pay is $1,000.

Theft and burglary

Theft or burglary occurs when someone enters the insured address without your consent and steals or intends to steal items.

We don't cover loss or damage caused by thieves or burglars entering the insured address from common property without signs of forced entry, or loss or damage caused by anyone living at the address.

Explosion

We cover loss or damage caused by an explosion but we don't cover the cost of repairing or replacing the container or tank that exploded.

Earthquake and tsunami

We cover damage that occurs within the first 72 hours following an earthquake or tsunami.

This includes cover for damage caused by a landslide or subsidence within 72 hours of, and directly because of, an earthquake or tsunami. It doesn't cover damage caused by erosion over time or a structural or design fault.

Malicious acts

Malicious acts or vandalism includes things like vandals damaging your letterbox or painting graffiti on your home.

It doesn't include damage caused by someone who lives or is staying at the insured address or who entered the insured address with your consent.

Damage by animal

This covers loss or damage caused by an animal that becomes accidentally trapped inside your home.

We don't cover damage caused by any animal you own or are responsible for, or has been allowed onto the insured address, or damage caused by insects, vermin or rodents (unless the damage they caused is covered under fire or escape of liquid).

Impact

Impact covers damage caused by impact from things like a falling tree, power poles, tv antennas, aircrafts, motor vehicles and even space debris.

It doesn't include damage caused by trees being lopped, felled or transplanted by you or for you.

Escape of liquid

This covers damage caused by liquid leaking, overflowing or bursting from things like your fridge, washing machine, bath (but not shower), toilet, fixed pipes (except agricultural pipes), swimming pool, water main, fixed cooling system or an aquarium.

We do not cover the cost of fixing the leak itself, wear, tear and gradual deterioration or loss or damage as a result of a gradual process of liquid leaking, splashing, dripping or overflowing. See the PDS for more details on what we don't cover.